I don’t have a clue why my insurance is so high, the fact the KA is the luxury model seems to really bump it up! but at the end of the day it is still only a 1.3 KA with leather seats! lol

My insurance went up quite a bit last year as well thinking about it, the year before it was around 250 with only 3 years no claims which I didn’t think was too bad.
So taking the protected no claims out of the equation means it has gone up £80 with no change in circumstances except 2 years more NCB!  

The Mrs only paid £460 on the A3 when she renewed it a few months ago!